HDFC Infinia Metal vs HSBC Cashback Card
Side-by-side credit card comparison to help you choose the best one.
HDFC Infinia Metal
Why this card wins: Ultra High Spenders — 5 reward points for every ₹150 spent
| Feature | ||
|---|---|---|
| Bank | HDFC Bank | HSBC India |
| Card Type | Super Premium | Cashback |
| Annual Fee | ₹12,500 + GST | ₹750 + GST |
| Joining Fee | ₹12,500 + GST | ₹750 + GST |
| Rewards | 5 reward points for every ₹150 spent | 1.5% unlimited cashback on all spends |
| Best For | Ultra High Spenders | Pure Cashback |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹10,00,000+ | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 12,500 reward points on card activation | ₹750 cashback on first ₹7,500 spend |
| Min Income | Invite only (₹4L+/month) | ₹25,000/month |
| Lounge Access | Unlimited domestic + international (Priority Pass) | 2 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.0% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 5 | 4.4 |
| Contactless | ||
| EMI Conversion |
Key Features
HDFC Infinia Metal
Ultra High Spenders
Visa Infinite • Super Premium
- Unlimited Airport lounge access globally
- Global Concierge & Golf privileges
- Club Marriott membership for 1 year
- Dedicated Relationship Manager
HSBC Cashback Card
Pure Cashback
Visa • Cashback
- No merchant category restrictions
- Cashback auto-credited to statement
- Global acceptance — accepted in 200+ countries
- Fee waiver on ₹1L annual spend
Verdict
Based on rating and overall value, HDFC Infinia Metal ranks highest among your selected cards. It excels at Ultra High Spenders and offers 5 reward points for every ₹150 spent.
Frequently asked questions
Which is better: HDFC Infinia Metal or HSBC Cashback Card?
HDFC Infinia Metal has the higher CardKhoj rating (5/5) and is best for ultra high spenders. HSBC Cashback Card is the better fit if your priority is pure cashback. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Infinia Metal and HSBC Cashback Card?
HSBC Cashback Card is cheaper to hold at ₹750 + GST, compared with ₹12,500 + GST for HDFC Infinia Metal.
Do HDFC Infinia Metal and HSBC Cashback Card offer airport lounge access?
HDFC Infinia Metal: unlimited domestic + international (priority pass). HSBC Cashback Card: 2 domestic per year.
Which card is better for international spending?
HDFC Infinia Metal has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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